> ## Documentation Index
> Fetch the complete documentation index at: https://help.mytruv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# The Credit Snapshot object

> Credit score and credit report for the user's connected credit history.

A Credit Snapshot is one pull of the user's credit report: the score and the report behind it. MyTruv stores a snapshot each time the report refreshes, so you can read the latest one or page through the history.

Both endpoints need a connected credit history. Without one, Get Credit Snapshot returns `404` and List Credit Snapshots returns an empty list.

## Attributes

| Attribute | Type | Description |
| :- | :- | :- |
| snapshot\_id | string | Unique snapshot identifier |
| created\_at | string | When the snapshot was taken (ISO 8601) |
| credit\_score | integer | Credit score. May be null |
| credit\_score\_model | string | Scoring model, e.g. `VANTAGE_SCORE_3_0` |
| payload | object | The credit report, see [Payload](#payload) |

## Payload

The report as the credit bureau returns it, trimmed to the fields MyTruv uses. Personal details such as SSN, date of birth, addresses, phone number, and employment history are removed; the user's first and last name are kept. Fields are camelCase and may vary by bureau.

| Attribute | Type | Description |
| :- | :- | :- |
| profile | object | `firstName`, `lastName`, `creditScore`, `model`, and `modelName` |
| creditReports | array of objects | One entry per report, see [Credit report](#credit-report) |
| creditCards | array of objects | Credit card accounts, see [Accounts](#accounts) |
| autoLoans | array of objects | Auto loans |
| homeLoans | array of objects | Mortgages and home equity loans |
| personalLoans | array of objects | Personal loans |
| studentLoans | array of objects | Student loans |
| miscellaneousLiabilities | array of objects | Other accounts on the report |

### Credit report

| Attribute | Type | Description |
| :- | :- | :- |
| profile | object | Same shape as the top-level `profile` |
| creditScoreDetails | array of objects | Score, model, bureau, reported date, and `factors[]` (each `{code, description}`) explaining what affects the score |
| summary | object | Debt totals and account counts: secured, unsecured, and unsecured excluding student loans |
| creditAttributes | array of objects | Report statistics as `{description, value}` pairs, e.g. number of tradelines |
| inquiries | array of objects | Credit inquiries with inquirer name, date, and purpose |
| bankruptcies / collections / publicRecords | array of objects | Derogatory records, when present |
| sourceBureau | string | Bureau that supplied the report |

### Accounts

Every account array shares one shape:

| Attribute | Type | Description |
| :- | :- | :- |
| creditCardId / autoLoanId / homeLoanId / personalLoanId / studentLoanId / miscellaneousLiabilityId | string | Account identifier, named after its type |
| displayName | string | Account name |
| creditor | object | `originalName` and `industryType` of the lender |
| cardProfile (credit cards) / liabilityProfile (loans) | object | Account terms and status: open date, status, account rating, credit limit or loan amount, interest rate, derogatory and collection status, and `paymentHistory` when reported |
| balanceDetails | object | `outstandingBalance` |
| statementSummary | object | Latest statement: balance, minimum payment, due date, last payment date |
| aprs | array of objects | Credit cards only: `{rate, type, source}` |
| outstandingBalance / regularMonthlyPayment | number | Loans only: current balance and scheduled monthly payment |

`paymentHistory.details` is the month-by-month grid from the report: one `{date, code}` entry per month, newest first, where `code` is the payment status the bureau reported for that month.

## Pagination

List Credit Snapshots returns snapshots newest first, up to `limit` per page (1-100, default 100). When more remain, `next` holds the URL of the next, older page; follow it until it is `null`.

| Attribute | Type | Description |
| :- | :- | :- |
| snapshots | array of objects | Credit Snapshot objects |
| next | string | Relative URL of the next page, or null on the last page |

***

## Endpoints

* [Get credit snapshot](/api-reference/credit/get-credit-snapshot) - the latest snapshot
* [List credit snapshots](/api-reference/credit/list-credit-snapshots) - snapshot history

***

## Example response

Get Credit Snapshot, with one credit card shown:

```json theme={null}
{
  "snapshot_id": "f69981bd36724c8597ce356ad1fe22ba",
  "created_at": "2026-09-22T12:04:50Z",
  "credit_score": 712,
  "credit_score_model": "VANTAGE_SCORE_3_0",
  "payload": {
    "profile": {
      "firstName": "Jane",
      "lastName": "Doe",
      "creditScore": 712,
      "model": "VANTAGE_SCORE_3_0",
      "modelName": "EquifaxVantageScore3.0"
    },
    "creditReports": [
      {
        "creditScoreDetails": [
          {
            "creditScore": 712,
            "model": "VANTAGE_SCORE_3_0",
            "sourceBureau": "Equifax",
            "reportedDate": "2026-09-22",
            "factors": [
              { "code": "4", "description": "The balances on your accounts are too high compared to loan amounts" }
            ]
          }
        ],
        "summary": {
          "totalSecuredDebtAmount": 18400,
          "totalUnsecuredDebtAmount": 3250.4
        },
        "inquiries": [],
        "sourceBureau": "Equifax"
      }
    ],
    "creditCards": [
      {
        "creditCardId": "c1a2b3c4d5e6f7a8b9c0d1e2f3a4b5c6",
        "displayName": "Visa Signature",
        "creditor": { "originalName": "EXAMPLE BANK", "industryType": "National credit card companies" },
        "cardProfile": {
          "status": "OPEN",
          "creditLimit": 8000,
          "creditUtilization": 18.13,
          "paymentHistory": {
            "details": [
              { "date": "2026-08-01", "code": "0" },
              { "date": "2026-07-01", "code": "0" }
            ]
          }
        },
        "balanceDetails": { "outstandingBalance": 1450.2 },
        "statementSummary": {
          "statementBalance": 1450.2,
          "minimumPaymentAmount": 35,
          "dueDate": "2026-10-05"
        },
        "aprs": [{ "rate": 24.99, "type": "PURCHASE", "source": "DERIVED" }]
      }
    ],
    "autoLoans": [],
    "homeLoans": [],
    "personalLoans": [],
    "studentLoans": [],
    "miscellaneousLiabilities": []
  }
}
```